Citizens & Northern (CZNC) Projected to Post Earnings on Thursday

Citizens & Northern (NASDAQ:CZNC) is projected to release its Q4 2025 results before the market opens on Thursday, January 22nd. Analysts expect the company to announce earnings of $0.57 per share and revenue of $35.40 million for the quarter. Parties can find conference call details on the company’s upcoming Q4 2025 earning report page for the latest details on the call scheduled for Thursday, January 22, 2026 at 12:00 AM ET.

Citizens & Northern (NASDAQ:CZNC) last posted its quarterly earnings data on Thursday, October 23rd. The financial services provider reported $0.47 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.53 by ($0.06). Citizens & Northern had a return on equity of 9.75% and a net margin of 16.81%.The firm had revenue of $29.57 million during the quarter, compared to analyst estimates of $28.50 million. On average, analysts expect Citizens & Northern to post $2 EPS for the current fiscal year and $2 EPS for the next fiscal year.

Citizens & Northern Price Performance

Shares of Citizens & Northern stock opened at $21.03 on Thursday. The stock has a market capitalization of $374.33 million, a P/E ratio of 11.95 and a beta of 0.56. The business has a 50 day simple moving average of $20.32 and a two-hundred day simple moving average of $19.85. Citizens & Northern has a 12 month low of $18.02 and a 12 month high of $22.68. The company has a debt-to-equity ratio of 0.59, a current ratio of 0.93 and a quick ratio of 0.93.

Citizens & Northern Dividend Announcement

The firm also recently declared a quarterly dividend, which was paid on Friday, November 14th. Investors of record on Monday, November 3rd were given a dividend of $0.28 per share. The ex-dividend date was Monday, November 3rd. This represents a $1.12 dividend on an annualized basis and a yield of 5.3%. Citizens & Northern’s payout ratio is presently 63.64%.

Analyst Upgrades and Downgrades

CZNC has been the subject of a number of recent research reports. Zacks Research downgraded shares of Citizens & Northern from a “strong-buy” rating to a “hold” rating in a report on Monday, September 22nd. Weiss Ratings restated a “hold (c+)” rating on shares of Citizens & Northern in a research report on Monday, December 29th. Piper Sandler increased their price target on Citizens & Northern from $21.00 to $22.00 and gave the company a “neutral” rating in a report on Friday, October 24th. Finally, Janney Montgomery Scott raised Citizens & Northern to a “hold” rating in a research note on Wednesday, October 22nd. Four investment analysts have rated the stock with a Hold rating, According to MarketBeat, the company has a consensus rating of “Hold” and a consensus price target of $22.00.

Institutional Trading of Citizens & Northern

A number of institutional investors and hedge funds have recently added to or reduced their stakes in CZNC. Russell Investments Group Ltd. lifted its stake in Citizens & Northern by 521.1% during the 3rd quarter. Russell Investments Group Ltd. now owns 1,708 shares of the financial services provider’s stock worth $34,000 after acquiring an additional 1,433 shares in the last quarter. Raymond James Financial Inc. purchased a new stake in Citizens & Northern during the 2nd quarter worth approximately $58,000. Tower Research Capital LLC TRC increased its position in shares of Citizens & Northern by 596.1% during the second quarter. Tower Research Capital LLC TRC now owns 3,432 shares of the financial services provider’s stock worth $65,000 after acquiring an additional 2,939 shares during the period. BNP Paribas Financial Markets raised its position in Citizens & Northern by 62.9% in the 3rd quarter. BNP Paribas Financial Markets now owns 3,604 shares of the financial services provider’s stock valued at $71,000 after purchasing an additional 1,391 shares in the last quarter. Finally, Focus Partners Wealth purchased a new position in Citizens & Northern in the third quarter worth approximately $116,000. Hedge funds and other institutional investors own 30.83% of the company’s stock.

About Citizens & Northern

Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank, a community-oriented financial institution headquartered in Wellsboro, Pennsylvania. Chartered in 1888, the company has cultivated deep roots in north central Pennsylvania and selected counties in upstate New York, offering a broad spectrum of banking services tailored to individuals, families and local businesses.

Through its flagship banking subsidiary, Citizens & Northern provides personal deposit products such as checking and savings accounts, certificates of deposit and money market accounts.